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This Field Guide targets commercial lenders and business development officers seeking innovative lending and marketing techniques, with the intent on maximizing value for both bank and borrower.
Borrower's Guide is a discussion of commercial lending and small business lending exploring the way a borrower can prepare, present and obtain a small business or commercial loan. Richard Carrell presently Vice President of Evergreen Commercial Finance Solutions has been involved in commercial lending for over 45 years as an attorney and consultant.
Endorsed by the Chartered Banker Institute as core reading for one of the modules leading to the Institute's professional qualifications and chartered status, Commercial Lending supports readers that wish to develop their ability to analyze the creditworthiness of a customer and their business in the context of the current economic climate, future market and sector expectations. Commercial Lending uses a series of practical exercises and case studies, and provides the tools needed for the reader to understand and appraise a customer's business strategy. This will then enable the reader to provide appropriate funding solutions to meet the commercial needs of customers while reflecting the bank's risk appetite. These tools include: how to assess the performance and creditworthiness of a business; how to critically evaluate the robustness of cash flow; and how to undertake sensitivity analysis to quantify sustainable debt repayment capacity. This practical text will present a critical analysis of financial and non-financial information to help readers identify key risks inherent in the customer's lending proposition. Readers will go on to propose suitable funding solutions that mitigate risk and meet the needs of customer and bank. Online supporting resources include a glossary and updates to regulation in the UK. All law and legislation used throughout the book (Chapters 1, 6 and 9) is either UK or English law. Readers outside the UK are recommended to check the appropriate legislation in their country. The currency used throughout the book is UK Sterling (denominated by £ symbol) and where working examples are used (particularly in Chapters 2 and 3) readers can substitute their own currency by using the appropriate exchange rate for their own country.
With the help of Hillman, you'll conduct effective due diligence on prospective borrowers; use loan closing checklists that ensure every key step is taken to get solid deals done; obtain comprehensive hazard insurance that shields lenders, and draft agreements that protect lenders from environmental risks, resolve conflicts with creditors, and allow lenders to capitalize on lucrative financing opportunities.
While residential real estate lending has gone soft, commercial lending is hot—with a wave of low interest rates and refinancing—and it shows no sign of slowing down. Right now, commercial mortgage brokering is one of the best ways to earn money without a ton of training. In this practical guide for first-timers, you’ll learn the basics of brokering from application to closing, as well as inside information you won’t find anywhere else. So get started!
Commercial lending is an area which involves a certain degree of risk. This text aims to familiarize professionals with the pertinent issues, thus reducing the degree of risk. It disucsses the steps that must be taken before a commercial loan is granted and examines such topics as financial statement analysis and policy formulation.
This new, third edition, has added many updates regarding critical asset-based collateral subjects and issues, including regulatory Uniform Commercial Code (UCC) changes and more. Asset-based lending, or the extension of credit against company's balance sheet assets on a collateral margin basis, is a rapidly growing field in the lending arena - thanks to better controls and understanding as well as the intensification of non-bank competition in the field. Asset-Based Lending defines lending controls and policies, assessing collateral and borrower quality, loan pricing, collateral monitoring and much more, including: - Cash collateral accounts, commingling funds and controlling payments and advances - Completing notes, security agreements and other documents - Accounts receivable and inventory lending - Chattel paper, notes, machinery and equipment - Direct and third party leasing - Collateral field examinations - Factoring